Examinando por Materia "Sistema financiero"
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Ítem El diseño del sistema financiero y su impacto en la economía análisis de impacto.(Universidad EAFIT, 15/10/1997) Maya, Maria CeciliaÍtem Un estudio sobre la relación entre el acceso al crédito y la productividad de las Pymes en Colombia entre 2018-2019(Universidad EAFIT, 2020) Herrera Monsalve, Federico; Hoyos Quintero, Elizabeth; Gaspar Medina , Daniel SantiagoThis work linearizes the functions for current loans, investment, liquidity, and liquid assets (Love, 2000), finding the possible effects on the marginal productivity of capital, reflected in the access to credit in the financial system of small companies and medium-sized companies in Colombia in the 2018-2019 period, performing an econometric data panel exercise, in which regression of four models was made, where the results show among things that an increase of 1% in loans, marginal productivity increases by 0.07%. In this way, it is possible to detect that loans have a positive and significant relationship with marginal productivity.Ítem Impacto de la inclusión financiera en los indicadores de pobreza y desiguadad de ingresos en los departamentos de Colombia(Universidad EAFIT, 2021) Mona Mejía, Dany Alexis; Restrepo Jaramillo, Juliana; Goda, ThomasThe indices of poverty and income inequality in Colombia have decreased between 2000 and 2019. A possible explanation for this reduction is the increase in financial inclusion of vulnerable households in the country, global case studies have shown that, depending on the socioeconomic and specific to the financial system conditions of each territory, financial inclusion can reduce inequality and poverty. The objective of this paper is to verify empirically if financial inclusion contributed to the reduction of inequality and poverty in the states of Colombia during the years 2009 and 2019. The obtained results indicate that the used measure of financial inclusion does not significantly affect poverty and inequality measures in Colombia. One potential explanation for this finding is that the most vulnerable households do not have access to a wide array of financial instruments; or that their access has not had the expected effect because they opt for consumer loans and become overindebted instead of increasing their savings and investment.Ítem Productos y servicios financieros a gran escala para la microempresa colombiana(Universidad EAFIT, 2005-10-15) Ossa Betancur, NicolásThis work is based on a previously proposed model by the author; this one aims to the possibility of selling financial products and services on great scale to the microenterprises by commercial banks. This model is also the result of a revision of some part of the available literature related to this subject and a personal contribution of the author. This model proposes that the great commercial banks are the ones called to sell financial products and services to the microenterprises on great scale, implementing microenterprise banking and penetrating this segment of the market or, as it is called in the international marketing slang, doing downscaling. In a previous work, a set of critical variables was identified and was also established the way how these variables must be defined in the commercialization of financial products and financial services to have a considerable increase in the probability of being viable and sustainable in the time. In this report, the second one of three reports related to this subject, the results corresponding to the pre-feasibility study for the project “Financial products and services on great scale for the colombian microenterprise” are analyzed, based on the proposed model and following the methodology for the study of projects of the United Nations Industrial Development Organization (UNIDO).Ítem Productos y servicios financieros a gran escala para la microempresa: hacia un modelo viable(Universidad EAFIT, 2004-05-15) Ossa Betancur, NicolásThis work proposes a model by means of which the commercial banks can sell products and financial services on great scale to the microenterprise. The exposition of this model is the result of the revision of some part of literature available in relation to the subject and of a personal contribution. The model leaves from the base that it is the great commercial banking the one called to sell products and financial services on great scale to the microenterprise, implementing the microenterprise banking and penetrating this segment of market or, as it is said in international marketing slang, doing downscaling. A set of critical variables is identified and it is considered how they must be defined to considerably increase the probability that the product and financial services commercialization on great scale to the microenterprise is viable and sustainable in the time. Finally, the results corresponding to the Study of Opportunity for the project "Products and financial services on great scale for the Colombian microenterprise", are analyzed based on the proposed model and following the methodology for the study of projects of the United Nations Industrial Development Organization (UNIDO).Ítem Sector bancario y coyuntura económica.(Universidad EAFIT, 2002-04-15) Jaramillo, Alberto; Serrano Dominguez, Ana ConsueloContinuando con la línea de investigación de la política coyuntural de la empresa, se busca realizar un estudio del sector bancario colombiano. El punto de partida es que existen ciertos elementos del sector bancario que lo diferencian de los demás sectores de la economía: su dinámica está determinada por el comportamiento de los demás agentes económicos (empresas, gobierno, sector externo, familias), la política monetaria y crediticia, la competencia de otros intermediarios y la asimetría de la información. Esto significa que la actividad bancaria es quizás la más expuesta a las fluctuaciones coyunturales del sistema económico, dado que alteraciones significativas e imprevistas en el comportamiento de los agentes se transmitirán inmediatamente al desempeño bancario. Además de profundizar en el estudio de la política coyuntural de la empresa se presenta una descripción de la evolución del sector bancario en la década de los noventa y se realizan tres ejercicios empíricos: una aplicación del Modelo CAMEL para el sector bancario y un análisis de la sensibilidad coyuntural de los bancos privados colombianos para el periodo 1990 - 2000, por medio de los modelos Logit y de Panel Data. Los resultados indican que, en efecto, la influencia de las variables y políticas macroeconómicas es alta sobre los balances de las entidades bancarias.Ítem The effect of the Financial System on Cross-Country Growth Rates during the Covid-19 Pandemic(Universidad EAFIT, 2022) Ramírez Miranda, Michael Stiven; Goda, Thomas